State Overview
Texas
Storm Damage Claims (Hail, Wind, and Hurricane)
Texas storms hit hard (and fast). Texas is known for big hail and strong wind. On the coast, storms can bring heavy wind and rain. Roof damage is common, but so is hidden damage around vents, flashing, gutters, and siding.
Texas Claim Process
Follow these steps to file a hail damage claim in Texas.
1
Take photos and video right away.
2
Get a claim number from your insurer.
3
Keep a notes page (who you spoke to + date).
4
Stop active leaks safely (save receipts).
5
Don't throw away damaged items until you document them.
Texas claim issues we see a lot
Insurance companies often use these strategies to minimize hail damage claim payouts in Texas. Knowing what to expect can help you protect your claim.
"Wear and tear" is blamed for storm damage.
Long timelines after big storms.
Roof damage is underestimated (soft spots get missed).
Matching problems (new shingles vs old shingles).
Coastal Windstorm Note
Some coastal homes may have special wind coverage rules or options. If you’re not sure, ask your insurer:
“Is windstorm covered under my main policy, or a separate program?”
Explore by Storm Type
Different storms cause different types of damage. Learn about the claims process specific to your situation.
Hail Damage
Roof damage, dented vehicles, broken windows, and damaged siding from hailstones.
- Learn More
Wind Damage
Missing shingles, fallen trees, structural damage from high winds and tornadoes.
- Learn More
Hurricane Damage
Comprehensive damage from wind, rain, flooding, and storm surge from hurricanes.
- Learn More
Read Articles
Free guides to help you understand and manage your storm damage claim.
- 8 min read
This blog offers practical guidance for Texas homeowners dealing with insurance claims after windstorms, providing necessary steps to navigate the complex process with clarity and confidence. It emphasizes the importance …
- March 5, 2026
- 8 min read
The guide outlines crucial steps for Texas homeowners to accurately document wind damage following a storm, emphasizing the importance of thorough documentation in supporting insurance claims. It highlights the need …
- March 5, 2026
- 8 min read
This guide offers Texas homeowners a comprehensive, step-by-step approach to recovering from severe fire damage, emphasizing the importance of understanding insurance policies and what actions to take immediately following a …
- March 5, 2026
- 8 min read
The guide provides Texas homeowners with essential steps for effectively documenting wind damage to facilitate smooth insurance claims processing. It emphasizes the importance of promptly capturing clear photographic evidence, maintaining …
- March 5, 2026
- 8 min read
This guide assists Texas homeowners in effectively documenting their losses and navigating the complexities of insurance claims following severe windstorms. It emphasizes the importance of thorough documentation, understanding legal rights, …
- March 5, 2026
- 8 min read
The blog provides a comprehensive step-by-step guide for Texas homeowners on navigating the wind insurance claims process following a storm. It emphasizes the importance of detailed documentation, including maintaining a …
- March 5, 2026
Helpful Resources
Texas & National resources to help with your storm damage claim
TEXAS — Insurance Consumer Help
Texas Department of Insurance (TDI)
- 800-252-3439
- 1601 Congress Avenue, Austin, TX 78701
- Visit Website
TEXAS — Emergency Management
Texas Division of Emergency Management (TDEM)
- (512) 424-2208
- 883 Highway 71 E, PO Box 285, Del Valle, TX 78617
- Visit Website
TEXAS — Coastal Windstorm (State Program)
Texas Windstorm Insurance Association (TWIA)
- (800) 788-8247
- P.O. Box 99090, Austin, TX 78709-9090
- Visit Website
FEMA Disaster Assistance
- 1-800-621-3362
- https://www.disasterassistance.gov/
SBA Disaster Assistance
- 1-800-659-2955
- https://www.sba.gov/funding-programs/disaster-assistance
Flood insurance info
- 1-877-336-2627
- https://www.floodsmart.gov/
American Red Cross:
- 1-800-733-2767
- https://www.redcross.org/
Weather alerts
Hurricane tracking
Texas FAQs
Answers to common questions about storm damage insurance claims in Texas.
What’s the fastest way to start a Texas hail claim?
Call your insurer, report the damage, and get a claim number.
What should I photograph?
Roof areas you can see, ceiling stains, gutters, vents, siding, fences, and fallen tree damage.
What if the estimate feels too low?
Ask what was included and what was not. Provide photos and repair estimates.
Who helps if I can’t get answers?
TDI can help Texas consumers with insurance questions and complaints.
Where do I get emergency updates?
Use local alerts and the National Weather Service alerts page.
Need Guidance?
If you have questions about your storm damage claim or need help understanding your options, we’re here to help point you in the right direction.